Central Bank & Trust Company
Mortgage Loan Application
Totals and Details
for 2016
Find mortgage loan statistics, lending data, and loan application totals for Kentucky.
The mortgage statistics and data below are specific to mortgage loan applications for Central Bank & Trust Company.
Search for mortgage lenders by state, county, or metropolitan area
and explore the loan application details and stats broken down by several loan categories from 2003-2022.
| Mortgage Company & Address | Central Bank & Trust Company Po Box 1360 Lexington, KY 40588 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,867 |
| Total Mortgage Loan Application Amount | $400,493,000 |
| Average Mortgage Loan Application Amount | $182,000 |
| Highest Mortgage Loan Application Amount | $14,725,000 |
| Average Applicant Income | $99,666 |
| Highest Applicant Income | $7,846,000 |
Overall mortgage application loan totals and averages for this lender are provided for each year by county, metro area, and the entire US.
The loan data is broken down by loan purpose, loan type, applicant race, application outcome, and denial reason. With this information, you can get a detailed view of locations
where the mortgage lender is actively processing applications as well as the types and outcomes of loans from these applications.
As you search for mortgage loan stats and lending data in KY, the totals and averages will help you understand where the lender does business as well as the volume of business they do.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fayette County Kentucky | 824 | $ 165,294,000 | $ 200,000 | $ 125,000 |
| Jessamine County Kentucky | 146 | $ 27,215,000 | $ 186,000 | $ 115,000 |
| Clark County Kentucky | 138 | $ 16,486,000 | $ 119,000 | $ 59,000 |
| Scott County Kentucky | 133 | $ 31,703,000 | $ 238,000 | $ 83,000 |
| Madison County Kentucky | 111 | $ 16,805,000 | $ 151,000 | $ 77,000 |
| Kenton County Kentucky | 107 | $ 33,617,000 | $ 314,000 | $ 126,000 |
| Jefferson County Kentucky | 43 | $ 7,777,000 | $ 180,000 | $ 26,000 |
| Boone County Kentucky | 35 | $ 10,765,000 | $ 307,000 | $ 103,000 |
| Hamilton County Ohio | 35 | $ 34,691,000 | $ 991,000 | $ 127,000 |
| Woodford County Kentucky | 33 | $ 5,592,000 | $ 169,000 | $ 87,000 |
| Montgomery County Kentucky | 23 | $ 3,227,000 | $ 140,000 | $ 68,000 |
| Garrard County Kentucky | 22 | $ 2,808,000 | $ 127,000 | $ 47,000 |
| Powell County Kentucky | 20 | $ 2,329,000 | $ 116,000 | $ 68,000 |
| Campbell County Kentucky | 19 | $ 2,748,000 | $ 144,000 | $ 61,000 |
| Harrison County Kentucky | 19 | $ 2,063,000 | $ 108,000 | $ 55,000 |
| Bourbon County Kentucky | 14 | $ 2,322,000 | $ 165,000 | $ 100,000 |
| Mercer County Kentucky | 12 | $ 1,902,000 | $ 158,000 | $ 94,000 |
| Franklin County Kentucky | 10 | $ 2,720,000 | $ 272,000 | $ 49,000 |
| Anderson County Kentucky | 9 | $ 1,179,000 | $ 131,000 | $ 62,000 |
| Boyle County Kentucky | 9 | $ 1,352,000 | $ 150,000 | $ 64,000 |
| Clermont County Ohio | 6 | $ 1,512,000 | $ 252,000 | $ 126,000 |
| Grant County Kentucky | 5 | $ 923,000 | $ 184,000 | $ 53,000 |
| Owen County Kentucky | 4 | $ 668,000 | $ 167,000 | $ 75,000 |
| Jackson County Kentucky | 3 | $ 58,000 | $ 19,000 | $ 43,000 |
| Menifee County Kentucky | 3 | $ 577,000 | $ 192,000 | $ 62,000 |
| Nelson County Kentucky | 3 | $ 750,000 | $ 250,000 | $ 67,000 |
| Nicholas County Kentucky | 3 | $ 1,114,000 | $ 371,000 | $ 167,000 |
| Rockcastle County Kentucky | 3 | $ 428,000 | $ 142,000 | $ 51,000 |
| Shelby County Kentucky | 3 | $ 686,000 | $ 228,000 | $ 67,000 |
| Lawrence County Ohio | 3 | $ 364,000 | $ 121,000 | $ 78,000 |
| Palm Beach County Florida | 2 | $ 199,000 | $ 99,000 | $ 134,000 |
| Dearborn County Indiana | 2 | $ 302,000 | $ 151,000 | $ 124,000 |
| Breathitt County Kentucky | 2 | $ 330,000 | $ 165,000 | $ 100,000 |
| Gallatin County Kentucky | 2 | $ 468,000 | $ 234,000 | $ 99,000 |
| Hardin County Kentucky | 2 | $ 222,000 | $ 111,000 | $ 18,000 |
| Henry County Kentucky | 2 | $ 124,000 | $ 62,000 | $ 8,000 |
| Laurel County Kentucky | 2 | $ 207,000 | $ 103,000 | $ 128,000 |
| Lincoln County Kentucky | 2 | $ 241,000 | $ 120,000 | $ 20,000 |
| Robertson County Kentucky | 2 | $ 133,000 | $ 66,000 | $ 47,000 |
| Russell County Kentucky | 2 | $ 181,000 | $ 90,000 | $ 171,000 |
| Wolfe County Kentucky | 2 | $ 220,000 | $ 110,000 | $ 96,000 |
| Montgomery County Ohio | 2 | $ 8,949,000 | $ 4,474,000 | $ 0 |
| Charleston County South Carolina | 2 | $ 761,000 | $ 380,000 | $ 305,000 |
| Riverside County California | 1 | $ 275,000 | $ 275,000 | $ 111,000 |
| Ventura County California | 1 | $ 417,000 | $ 417,000 | $ 75,000 |
| Yolo County California | 1 | $ 284,000 | $ 284,000 | $ 76,000 |
| St. Johns County Florida | 1 | $ 183,000 | $ 183,000 | $ 160,000 |
| Cook County Illinois | 1 | $ 381,000 | $ 381,000 | $ 410,000 |
| Clark County Indiana | 1 | $ 128,000 | $ 128,000 | $ 48,000 |
| Floyd County Indiana | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Harrison County Indiana | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Jennings County Indiana | 1 | $ 5,000 | $ 5,000 | $ 36,000 |
| Marion County Indiana | 1 | $ 203,000 | $ 203,000 | $ 125,000 |
| Noble County Indiana | 1 | $ 217,000 | $ 217,000 | $ 96,000 |
| Scott County Indiana | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Bath County Kentucky | 1 | $ 99,000 | $ 99,000 | $ 26,000 |
| Bell County Kentucky | 1 | $ 5,000 | $ 5,000 | $ 27,000 |
| Boyd County Kentucky | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Casey County Kentucky | 1 | $ 100,000 | $ 100,000 | $ 24,000 |
| Cumberland County Kentucky | 1 | $ 157,000 | $ 157,000 | $ 168,000 |
| Estill County Kentucky | 1 | $ 170,000 | $ 170,000 | $ 95,000 |
| Floyd County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 237,000 |
| Hopkins County Kentucky | 1 | $ 300,000 | $ 300,000 | $ 325,000 |
| Leslie County Kentucky | 1 | $ 2,000 | $ 2,000 | $ 14,000 |
| Mason County Kentucky | 1 | $ 170,000 | $ 170,000 | $ 79,000 |
| Oldham County Kentucky | 1 | $ 204,000 | $ 204,000 | $ 184,000 |
| Perry County Kentucky | 1 | $ 1,000 | $ 1,000 | $ 16,000 |
| Pike County Kentucky | 1 | $ 200,000 | $ 200,000 | $ 65,000 |
| Pulaski County Kentucky | 1 | $ 169,000 | $ 169,000 | $ 128,000 |
| Rowan County Kentucky | 1 | $ 120,000 | $ 120,000 | $ 150,000 |
| Spencer County Kentucky | 1 | $ 130,000 | $ 130,000 | $ 365,000 |
| Warren County Kentucky | 1 | $ 160,000 | $ 160,000 | $ 60,000 |
| Howard County Maryland | 1 | $ 323,000 | $ 323,000 | $ 85,000 |
| Oakland County Michigan | 1 | $ 203,000 | $ 203,000 | $ 88,000 |
| Buncombe County North Carolina | 1 | $ 320,000 | $ 320,000 | $ 210,000 |
| Dare County North Carolina | 1 | $ 218,000 | $ 218,000 | $ 138,000 |
| Macon County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 323,000 |
| Aiken County South Carolina | 1 | $ 1,000 | $ 1,000 | $ 39,000 |
| Beaufort County South Carolina | 1 | $ 300,000 | $ 300,000 | $ 1,225,000 |
| Greenville County South Carolina | 1 | $ 10,000 | $ 10,000 | $ 78,000 |
| Lancaster County South Carolina | 1 | $ 252,000 | $ 252,000 | $ 133,000 |
| Sevier County Tennessee | 1 | $ 102,000 | $ 102,000 | $ 40,000 |
| Sullivan County Tennessee | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Denton County Texas | 1 | $ 303,000 | $ 303,000 | $ 120,000 |
| Radford County Virginia | 1 | $ 225,000 | $ 225,000 | $ 128,000 |
| Greenbrier County West Virginia | 1 | $ 1,329,000 | $ 1,329,000 | $ 497,000 |
The mortgage data stats below are displayed in sortable categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.
Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, the highest mortgage loan applied for within that category,
the average income of the mortgage applicants, and the highest income of the mortgage applicants.
You can also download the entire list of mortgage lenders along with their aggregated lending data for the state of Kentucky,
and search the same numbers and information back through 2003.
Mortgage Loan Application Detail Totals for Central Bank & Trust Company in 2016
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,111 | $256,284,000 | $230,000 | $14,725,000 | $103,000 | $7,846,000 |
| Refinancing | 549 | $126,144,000 | $229,000 | $1,800,000 | $117,000 | $1,719,000 |
| Home Improvement | 207 | $18,065,000 | $87,000 | $1,540,000 | $79,000 | $724,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,589 | $295,826,000 | $186,000 | $3,225,000 | $114,000 | $7,846,000 |
| Not applicable | 135 | $82,196,000 | $608,000 | $14,725,000 | $0 | $0 |
| Asian | 47 | $10,160,000 | $216,000 | $740,000 | $121,000 | $500,000 |
| Black or African American | 46 | $5,871,000 | $127,000 | $446,000 | $88,000 | $332,000 |
| Hispanic | 26 | $3,375,000 | $129,000 | $601,000 | $87,000 | $500,000 |
| Not Provided | 22 | $2,903,000 | $131,000 | $650,000 | $93,000 | $400,000 |
| American Indian or Alaskan Native | 2 | $162,000 | $81,000 | $160,000 | $98,000 | $115,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,560 | $353,292,000 | $226,000 | $14,725,000 | $114,000 | $7,846,000 |
| FHA-insured (Federal Housing Administration) | 190 | $27,871,000 | $146,000 | $393,000 | $59,000 | $666,000 |
| VA-guaranteed (Veterans Administration) | 62 | $12,386,000 | $199,000 | $515,000 | $61,000 | $254,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 55 | $6,944,000 | $126,000 | $200,000 | $41,000 | $76,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,482 | $338,508,000 | $228,000 | $14,725,000 | $111,000 | $7,846,000 |
| Application Approved But Not Accepted | 162 | $29,917,000 | $184,000 | $1,438,000 | $107,000 | $973,000 |
| Application Denied By Financial Institution | 152 | $18,669,000 | $122,000 | $1,437,000 | $60,000 | $452,000 |
| Loan Purchased By The Institution | 38 | $7,100,000 | $186,000 | $417,000 | $0 | $0 |
| Application Withdrawn By Applicant | 33 | $6,299,000 | $190,000 | $653,000 | $101,000 | $509,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 72 | $5,586,000 | $77,000 | $348,000 | $55,000 | $271,000 |
| Debt-To-Income Ratio | 44 | $7,784,000 | $176,000 | $1,437,000 | $54,000 | $452,000 |
| Collateral | 21 | $3,353,000 | $159,000 | $400,000 | $85,000 | $211,000 |
| Other | 8 | $608,000 | $76,000 | $328,000 | $52,000 | $136,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,018,000 | $203,000 | $383,000 | $85,000 | $226,000 |
| Unverifiable Information | 2 | $320,000 | $160,000 | $200,000 | $57,000 | $65,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
These totals and details for mortgage applications will give you a better idea of what to expect when researching mortgage lenders. Whether you are looking for a home loan, for home refinancing, or for home improvement loan statistics, we have the information you need. This mortgage loan data gives you everything you need to know as you start your search for the best lenders in KY, and gives you an idea of what the best mortgage lenders really are.
If you prefer, you can download a copy of the entire list of mortgage lenders in Kentucky, and search similar information at your convenience.